Terms of Service & Disclaimer

1. Informational Purposes Only

Retire360 ("the Service") is a software tool designed to help financial advisors model Social Security claiming scenarios, Medicare IRMAA exposure, and retirement income projections for educational and illustrative purposes. Nothing in this Service constitutes financial, investment, tax, legal, or insurance advice. The output of any calculator, report, or analysis is informational only and does not represent a recommendation to take any specific action.

Users of this Service — including licensed financial advisors — are solely responsible for the advice they provide to their clients. Retire360 does not establish any professional relationship with end clients who fill out intake questionnaires.

2. No Liability for Outcomes

Retire360, its owners, operators, employees, and affiliates shall not be liable for any financial loss, claim, damage, or other outcome arising from reliance on the information, projections, or analyses produced by this Service. This includes, without limitation:

• Errors or inaccuracies in tax calculations, benefit estimates, or projections
• Changes in Social Security rules, Medicare policy, or tax law after publication
• Client decisions made based on advisor presentations generated using this tool
• Interruptions in service, data loss, or system errors

To the maximum extent permitted by applicable law, Retire360's total liability to any user is limited to the amount paid for the Service in the 30 days preceding any claim.

3. Accuracy of Data

Retire360 makes reasonable efforts to maintain accurate IRMAA thresholds, Social Security benefit tables, and tax figures. However, these rules change annually and this Service may not reflect the most current figures at all times. Users are responsible for verifying calculations with authoritative sources (SSA.gov, IRS.gov, Medicare.gov) before relying on them in client-facing advice.

4. Advisor Responsibility

Subscribers to Retire360 who are licensed financial advisors acknowledge that they are solely responsible for the appropriateness of any recommendations made to their clients. The Retirement Blueprint reports, intake questionnaire outputs, and strategy suggestions generated by this Service are tools to assist — not replace — professional judgment. Advisors must independently verify all figures and comply with all applicable regulations, including FINRA, SEC, and state licensing requirements.

5. Account & Subscription

You are responsible for maintaining the security of your account credentials. Subscriptions are billed on a monthly or annual basis as selected at signup. You may cancel at any time through the billing portal. No refunds are issued for partial billing periods. The 7-day free trial requires no payment information and will not auto-charge without explicit consent.

6. Client Data & Privacy

Client information entered into Retire360 is used solely to provide the Service to the subscribing advisor. We do not sell, share, or use client data for marketing purposes. Data is stored securely and only accessible to the advisor account that collected it. You are responsible for obtaining appropriate consent from your clients before entering their personal and financial information into this Service.

7. Changes to These Terms

Retire360 may update these Terms at any time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms. We will make reasonable efforts to notify subscribers of material changes.

8. Governing Law

These Terms are governed by the laws of the United States. Any disputes shall be resolved in the jurisdiction where Retire360 is incorporated.